STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
163
2010–2025
Total Volume
$65M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
163 total segments
INB, National Association has a strong focus on existing businesses, with 49% of their deals serving this purpose. If you're looking to acquire an established business, this lender could be a good fit.
With an average 7(a) spread of P+1.24%, INB offers competitive pricing compared to the national median of ~P+2.75%. This could save you money on interest over the life of your loan.
INB's 7% share of 504 loans is below the national average of ~18%, indicating they primarily focus on 7(a) loans. If you're specifically seeking a 504 loan, you may want to explore other lenders.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 12 504 loans, which use fixed SBA debenture rates.
States where INB, National Association has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Engineering & Architecture
Professional Services
Manufacturing
Manufacturing
Accounting & Tax
Professional Services
General Merchandise
Retail Trade
+ 7 more
All recorded SBA lending activity for INB, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Illinois · Retail Trade · Under $150K | 7(a) | 11 | P+1.75% | $93K | Q1 2017 |
| Illinois · Wholesale Trade · Under $150K | 7(a) | 11 | P+1.50% | $47K | Q1 2020 |
| Illinois · Specialty Trade Contractors · Under $150K | 7(a) | 11 | P+1.75% | $79K | Q1 2019 |
| Illinois · Social Assistance · Under $150K | 7(a) | 6 | P+1.25% | $84K | Q1 2018 |
| Illinois · Restaurants & Food Service · Under $150K | 7(a) | 6 | P+2.00% | $52K | Q3 2014 |
| Illinois · General Merchandise · Under $150K | 7(a) | 5 | P+1.75% | $38K | Q4 2014 |
| Illinois · Engineering & Architecture · Under $150K | 7(a) | 4 | P+1.03% | $98K | Q2 2019 |
| Illinois · Management & IT Consulting · Under $150K | 7(a) | 4 | P+1.50% | $68K | Q2 2016 |
| Illinois · Other Professional Services · Under $150K | 7(a) | 4 | P+1.75% | $41K | Q3 2016 |
| Illinois · Other Health Practitioners · Under $150K | 7(a) | 4 | P+0.75% | $63K | Q3 2018 |
| Illinois · Wholesale Trade · $350K – $500K | 7(a) | 4 | P+2.25% | $448K | Q4 2022 |
| Illinois · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+1.75% | $207K | Q2 2017 |
| Illinois · Accounting & Tax · $150K – $350K | 7(a) | 3 | P+1.50% | $245K | Q4 2023 |
| Illinois · Personal Care (Salons, Spas) · Under $150K | 7(a) | 3 | P+0.80% | $84K | Q1 2021 |
| Illinois · Manufacturing · Under $150K | 7(a) | 3 | P+1.75% | $83K | Q3 2015 |
| Illinois · Auto Dealers & Parts · Under $150K | 7(a) | 3 | P+1.25% | $58K | Q4 2016 |
| Florida · Wholesale Trade · $2M – $5M | 7(a) | 2 | P+0.25% | $5.0M | Q3 2022 |
| Illinois · Engineering & Architecture · $150K – $350K | 7(a) | 2 | P+1.00% | $350K | Q1 2014 |
| Illinois · Engineering & Architecture · $500K – $1M | 7(a) | 2 | P+0.88% | $750K | Q3 2015 |
| Illinois · Other Repair & Services · Under $150K | 7(a) | 2 | P+0.88% | $52K | Q3 2017 |
| Illinois · Agriculture & Forestry · $150K – $350K | 7(a) | 2 | P+1.25% | $253K | Q2 2023 |
| Illinois · General Merchandise · $150K – $350K | 7(a) | 2 | P+1.75% | $170K | Q4 2013 |
| Illinois · Retail Trade · $150K – $350K | 7(a) | 2 | P+0.84% | $205K | Q1 2019 |
| Illinois · Other Health Practitioners · $150K – $350K | 7(a) | 2 | P+1.03% | $229K | Q1 2022 |
| Illinois · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+1.25% | $63K | Q2 2018 |
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Real experiences from borrowers who closed SBA loans with INB, National Association.
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